She's On The Money Radio Recap - 27 August

Radio.

She's on The Money Radio Show with Victoria Divine.

Starts now Saturday morning, right across the country. Welcome to the She's on the Money Radio Show with Australia's number one finance podcast of Victoria Divine. It is you and the other person is Mitch Cherry.

Oh that's me.

Who guys, Oh, we look so cute today.

I just want to get that confession out of you on the line.

Yes, yes, Victoria.

No, absolutely not tell everybody what's going to happen on the show.

Yeah, Victoria is going to confess what she said in the song just then.

I'm absolutely not going to do that because it makes me look so silly.

Guys, you know what doesn't look silly?

I'm unsure I've lost you.

This morning mate. You look beautiful.

Thank you?

Oh you do look good.

Something else that looks good today's show because before ten o'clock we're going to do Super Save a Saturday, Victoria.

That is one of my favorite segments, arguably my favorite segment, and it's a segment where I give you some sneaky tips on how to keep the most amount of money in your bank account.

Some won't say tight. I was going to say the eight word, but probably can't say yeah kind of in a way. Yeah, they are Saturday.

I like that.

I also like yourself. Thank you. What's coming up in the next fifteen minutes? Money matters, Mitch.

Yes, So if you're struggling with your cash flow and you've got yourself into a bit of a sticky situation, you need some advice. That's what Victoria is here for. You can hit us up on the shoes on the money socials this week, though, it's very interesting conundrum. What should you do if a friend hits you up for a loan? Because it can be a very all good situation. We've all been there.

This is so spicy. I have so many.

Opinions right now, it's time to do this. Yeah, we thought we'd relive those days back when we were teenage dirt banks, when we had absolutely no money, but we still lived our best lives. So thirty one six y five, give us a call right now. How did you used to stretch your money back when you were a teenager? Now Packers has given us a call. How were you a teenage dirt bag?

What did you do?

I remember going to get two dollar pots on a Tuesday.

Oh, that was a winner.

That just sounds like a good deal, all right.

We did ask them to call call us with.

Your I definitely respect that, Pa, because you seem like the kind of guy that would still do that. Is there any establishments around that have anywhere near a two dollar pot? I think if you hunt the local bowler, you might slip a couple of cheap pots down there.

But yeah, when I think Victoria Devine, I think hanging out on the corner of a local bowler, That's what I wow, Victoria.

All right, thanks packers, no worries.

Guys, that was your guy Abby.

On thirteen one O sixty five. Tell us how did you make your money go further when you were up?

Okay, So I was about like fifteen or sixteen, and I used to buy pretty much whatever I wanted at the shop.

But you're a rich Ridge okay fifteen?

No?

No, you wait. I always kept the tags on that I would go out and then I would wear it, and then I would try my very best to return it.

Oh did it work?

Like it worked? But I lived in sphere. I had like industrial strength deodorant. I couldn't get anything on it. It was like, I don't even know if it was worth it.

I can just imagine Abby, like you walk part, you go to give her a hug. You were like get away from me.

Also, what if someone saw the tag, Abby, Like if someone said to you.

Hate you've still got the tag, I'm just going to rip it off?

Oh god, yeah, you'd freak out.

Oh my god.

I had.

All my friends were in on it too. They were like monitoring my tax situation the whole time.

Did anything ever happen?

No?

I was so lucky. Although one time, like obviously when you're sixteen, you go into these stores and they like suck you out, they look you up and down.

They don't you know, as someone who used to work in retail, we know they still do that to me now.

But the best part was so that, like the people behind the counter were also usually sixteen, so they probably couldn't care less.

You know, they really don't as long as you're not rude. I think that they'll do anything. But maya anxiety would peak just.

Because I'm the clutziest person in the entire world.

I could not buy a dress and not get something on it.

Like look at your sheet, now, mate. I didn't want to say anything.

It's not my fault, and I keep wearing white.

I do it to myself.

Bring it on yourself for sure. All right, thanks.

Abby, Thank you guys.

Now, brad on thirty one or sixty five, you're going to get along with Victoria with yours mates.

Hey go, guys.

This goes back to, yeah, you're just in your teenage days, but going back and buying the old four lad of one cast I reckon, you can pick them up best.

Friends exactly, Pretty Lexia, it makes you sexier.

Pretty Lexi. Mozelle was my guy with a couple of lays of fatners.

A nice mixer.

Yeah.

Back in those days, the only air you needed was to blow up the cask at the end of the night for a piller.

I definitely didn't get the four Leaders, but I definitely did put lemonade and ic in it because.

Class, Victoria divine equals class. That's what I think of. Anyway, it is time for this.

Yeah, each week we're going to bring you someone's financial story on ED to get Victoria's advice on what they should do. And it's a real broad stretch here. We had a four year old one week, twelve months old the other asking for finance. My love, Victoria, You've got such a wide audience, is key?

It's who I am as a purse.

Anyway, let's answer Holly's question. Holly sent this in too. She's on the money social. She said, one of my friends recently hit me up for a loan. He's going through a bit of a tough time and has asked me for one thousand bucks to help tide him over for a while. His promised still pay it back within the next few months. I really want to help him out, but I'm cautious should I give him the loan? Do I need to draw up a written agreement to protect myself? What's the best way to go about this?

What do you think, Victoria actually so hard when friends ask for money. And my approach to this is, obviously, if you're not in the financial situation to be able to afford.

That, the answer is like, sorry, I actually can't help.

But if you are and that's something you want to do, I would actually really question whether that's a good idea or not. So when someone asks you for money, from my perspective, you're going to lose one of two things.

You're either going to lose a friendship or the money.

Which one is sometimes even both.

Sometimes even both.

So we need to be really clear on if I lean Tra have one.

Thousand bucks, Like from my perspective, you kind of have to feel a bit that you're not going to get it back obviously trying you can put a written agreement in place and do that, but I would really be potentially trying to help your friend in a different way and saying like, all right, Travs, sit down, I know you need a thousand dollars, Like maybe there's another way

It's a debt help line. What's that.

It's essentially a National debt helpline that you can call.

It is free.

There are financial counselors on there. They can give you access to things like NILS loans. So NILS loans is a loan that has no interest attached to it, So that could be a really good option instead of borrowing cash from a friend. And often when people are borrowing cash from friends, it's because they just feel like they're rock in a hard place, right.

They just don't know what their options are.

And no one wants to ask their mate for a thousand bucks like that makes you feel kind of bad. So you don't want to be in a situation where that's happening. But if a friend goes, all right, well mate, if you need money, great, let's work it out. There are so many options out there to support you. I would really steer away from lending money to friends.

That's good advice. I got the kind of friend that goes if you ever need anything, especially after like a couple of you know, Voker Granbery's if you need anything, if you're ever in a tight spot, I've got you. And then when they actually come asking, I disappear like, oh I can't. I mean, it's a bad.

Spot on, but it's it's so nice to be that friend that can support. But what is going on here is actually if they're in a bit of a pickle and you're helping them out, It's kind of like the if you give a fish to somebody, they'll eat for a day, but if you teach them to fish, they'll fish for a lifetime or whatever.

They wow put that.

On a tea tabet there was a Bible quote, So we're not going to go with that.

I just know what, just went to Catholic school for twelve.

But it's one of those things where it's like, can I actually teach you a skill?

Can I give you a bit more financial literacy?

Like if you need one thousand dollars, here's a better way to do it, or here's a loan scheme that might put you in the best possible position. I'd obviously try and steer away from things that are like buy now, pay later, because that's going to put people in a worse offt position. I'd also really steer away from recommending they get a credit card because that could absolutely spiral out of control. But what is in your breadth of control?

So you can continue bad habits.

Well that's a lot better advice than what I had, because I was just going to say, because that fits perfectly with what we're going to do next. Here it sees on the Money radio show. Well done, Trav. You're really good at this radio thing. If you have ever looked through Facebook Marketplace, Mitchell talking to you and you're thinking, Hey, this person asking way too much for this.

Oh, that happens to me weekly. I go off at them in the messages and they never apply it.

I've seen your item that I would like to purchase online for a little while, I'll undercut you. I'll be like, oh are you to Oh godcha, you would only worth what someone's willing to pay traps.

Yeah, I think somebody very wise told you that just before I.

Was during the break This is she's on the.

Money radio show.

Honestly, Mitch, you are very good at Facebook Marketplace, Thank you. But I want to know what have you seen recently on Facebook Marketplace that makes you want to pick up the phone and go your dreaming.

Well, let me just say I'll start by saying I am a happy messenger. If someone is putting something on Facebook Marketplace and they're hiking up the price. I'll message them and I'll go, hey, mate, your dreaming, that's ridiculous price. Then I'll block them and disappear.

So can you planning on purchasing the item?

Or are you just feedback?

Now? The other other day for a wooden giraffe was after a thousand bucks? Mate, you are dreaming. She didn't want to buy it.

What would you pay for a wooden giraffe? Just quietly, if you're not dreaming, wouldn't.

You pay for a wooden That's right.

Right, right, that's just it's a state of mind. But we have a whole bunch of that iphune. I found this one, right, This is a white iPhone Success sixty four gigabyte unlocked. Right, this is three hundred bucks saying.

I'm not going to say I agree or disagree with that, because I don't know what a white iPhone six is actually worth.

That is like a ten year old phone.

Oh so that's not good? No, okay, bad deal? So maybe just tell them their dream.

Dream?

What have you got, trav? I believe you found something pretty gross?

Okay, So toothbrush. First of all, there's a whole lot of questions to one pack there, but used only once, apparently five bucks stealing the original packaging. Mind you, price is firm five bucks, not going to move. No weirdos weirdos than you do.

You know what confuses me?

It says used once, but it's quite clearly still in the packet. Mate, Is that what you're selling it? Because you don't know how to use a toothbrush?

Dreamer.

I'd also like to know what Trav's looking up me?

Why?

Yeah, the algorithm knows that that man wants a toothbrush.

Oh my gosh, what have you found? Victoria?

Quick?

Move on?

Well, actually, I was going to bring up a topic that I think will trigger a few people, and that's the topic of limited edition things that you got for free at KOLs A Wooly. Yeah yeah, but you know when you got like those mini groceries or the ushy things. So I looked up on ushi I am going to sell this year, all right, Sit down, TRAbs, Sit down, Mitch.

No what you got that for free? So sit down.

Dreamer.

I also found another one, guys, which I just think is a bit rich or maybe a little bit niche. Right, so this is a Finding Nemo stuffed toy.

It is a really big one.

It's one meter long sixty five centimeters high according to your original seller.

It's also very cuddly.

But it looks like that one you got at the Melbourne show for free? Why are you selling it to me for one hundred and fifty dollars, Dreamer?

They one hundred percent got that at moonber in Melbourne because it says they're in Melbourne.

Yeah, exactly, that was free. Why are you trying to profit off a children's toy?

I mean, hey, you probably spent way over one hundred and fifty bucks trying to win it, but still telling me dreaming man right in the bin. That's way more fun when we do it.

Super Saber Saturday.

All right, This week I am bringing you a bang up from the Sheese on the Money podcast because I always ask people like, what's your tips and tricks? I want to know, and people write into us each and every single week what their money wins of the week are. Like.

I've seen that on the Facebook grip.

Yeah, I spent seventeen thousand dollars on oubreachs.

So but the good thing with that is you're saving time because you're working smart and not hard at getting other people.

I am actually a content genius, sure, but the thing there is it's not just for the content guys. It means I don't even have to look up money saving hacks so that I can save money.

And this week someone told me.

That they booked a holiday by buying gift cards but using shop back, which is a platform that you can use to get cash back on your purchases. But they bought their gift cards through shop back, got five percent cash back, and then booked their own holiday with a five percent discount on the travel gift cards they'd bought.

Yeah, what a genius.

Yeah, some people are just way too smart with this stuff.

But these cash back apps like shop back are genius. It's money back on purchases you were going to make anyway. And you guys know I do have a good relationship with them, but this is definitely not sponsored. I'm just a fan. But they now have a Chrome extension so you don't even have to go check the app, but just tells you that you're going to get a disc.

Person. That is sensational.

I thought that would be music to your ears.

You are welcome, Mitch Jerry, but it's genuinely something that I was like, Oh, I just got back from a holiday, right, would you like to talk about it?

So I don't have time, sadly don't know.

Sorry, sorry, moving on, moving on. But I wish i'd known that because I also booked my holiday through flight Center. They got a five percent discount. Flight Center weren't giving me that?

Were they? No genius?

Okay, more tips? I'm hungry for more, all right.

The next tip also stolen from the Facebook group. But we're all about recycling content. It's working smarter, not harder. It's usual clothesline. Are you ready for this? Yeah?

One of out She's on the money.

Community members had calculated how much her tumble dryer was costing her, and it was a couple of one hundred bucks a year, and now she's using her clothesline and saving a whole heap of money, which is something I'm not willing to do. I love my tumble dryer and I will continue to use it because have you not ever gotten out of the shower to a hot, fluffy towel That's worth a lot of money to me?

The best?

Or throw your jumper in the tumble dryer, not even because it needs drying in winter and then throwing it on at night.

It is the also my way of ironing.

So if you ever see me in a shirt and you're like, wow, Victoria is so put together, that shirt is looking crisp, Yeah, that's not irony right the way it is irony. I pulled it out of the tumble dryer, I gave it a little flick, and I'm ready to go.

If the collar wasn't crisp enough, touched it.

Up with my hair straight.

Now I want another tip?

You want another tip? You didn't like that?

No?

I want more, hungry for tips?

Okay, cool?

So the next tip I have again not sponsored, just good.

It's the McDonald's app.

So good.

Like, were you guys here for legit tips where you could like save and invest because this week am it. It works by just downloading the app, and each and every single week they have like a little deal on there. Last week cheeseburger meal and a Sunday four dollars.

Wow, good pride.

That's a good price, right, so you like book it through the app. You can go through drive through.

They've now started.

Asking like, oh, do you have a code? And you're like, what are you talking about? They're talking about the macas app. Give them your four digit code. Up comes your order. You don't even have to talk to the person for that long. Pay my four dollars, drive away happy. Wow?

Wait can you get a steamed bart on the mac is app? Because they all I care about steam.

I did ask for that that.

I'm right now. All right, we got to end the show.

We do because Mitch Chury, You've got to get out of here to go and do your favorite show with your favorite people every week.

Listen, Tom and Veronica, you are killed my closest friends, and I adore both of you, and I just want you to know that I will right, thank you.

We'll be back next week for everything. Make sure you check our socials. Just search She's on the money. The Lifeline cart Radio show with Laura what's her name again? And Brits who.

Sorry, think it was anchor Ye Britt Hockley and Laura Burn and that On My Arm

That is coming up next with their buddy See you next week